Insurance services
Coverage for home health, hospice and staffing agencies, explained plainly
Each page explains what the coverage does, what happens without it, and what to look for in the policy wording. When you're ready, we'll put the pieces together into one coordinated program.
All coverage
Professional Liability
Protects your agency when a patient or family says the care your caregivers or placed clinicians provided caused harm, including negligent credentialing claims.General Liability
Covers everyday business accidents: third-party injuries, property damage and advertising claims at your office or in a client's home.Workers' Compensation
Pays medical bills and lost wages when employees are hurt on the job, which is common in hands-on care, lifting and driving between visits.Employment Practices Liability (EPLI)
Defends you against employee claims of wrongful termination, discrimination, harassment and retaliation, plus wage-and-hour defense on many policies.Cyber Liability & HIPAA
Covers data breaches, ransomware, HIPAA regulatory fines and patient notification costs: the fastest-growing risk for healthcare organizations.Abuse & Molestation
Covers allegations of abuse or misconduct by staff, which are excluded from most liability policies yet often required for in-home and pediatric care.Crime & Theft of Client Property
Covers employee theft, forgery and funds-transfer fraud, plus theft of a patient's or client's property by your staff.Umbrella & Excess Liability
Adds higher limits over your general liability, auto and employer's liability when a contract or a severe claim calls for more.Hired & Non-Owned Auto / Commercial Auto
Covers your liability when employees drive their own cars for work, plus company-owned vehicles if you have them.
FAQ
Healthcare insurance questions
What insurance does a home health agency need?
A complete program usually includes professional liability, general liability, workers' compensation, employment practices liability, cyber liability, abuse and molestation coverage, hired and non-owned auto, and a crime policy or fidelity bond. The right mix depends on your services, your states and the contracts you hold with referral sources and managed care organizations.
Is insurance required to operate a home health agency?
Yes. The states we serve require home health agencies to carry certain coverage as a condition of licensure, and workers' compensation is required by law for employers with employees (Texas is the exception, where it's optional). Other requirements vary by state and license type.
What's the difference between claims-made and occurrence policies?
An occurrence policy covers incidents that happen while it's active, whenever the claim is filed. A claims-made policy covers claims made while it's active, for incidents after its retroactive date. Most healthcare professional liability is claims-made, so when you switch carriers or close, you need matching retroactive dates or tail coverage.
Do I need separate insurance for independent contractor caregivers?
It depends on your state, your contracts and your policy wording. Several states, especially California, can treat contractors as employees for insurance purposes. Misty reviews every agency's staffing model to find this exposure.
Why use an independent broker instead of going direct to a carrier?
A captive agent or direct carrier gives you one option at one price. An independent broker shops your coverage across multiple carriers. In a specialty line like healthcare, where appetite and pricing vary widely, that's real value at every renewal. You'll work directly with Misty.
Can you review the coverage I already have?
Yes. Share your current declarations pages and Misty will review them for gaps, misclassifications and overpayments at no cost. Agencies that have stayed with one carrier for years often find meaningful issues.
Not sure what you need?
Send us your current dec pages. Misty will review them for free and tell you where the gaps are.